A Novel Graph Fraud Detector via Grouped Attribute Completion and Confidence-Aware Contrastive Learning

Graph-based fraud detection is essential for safeguarding large-scale transaction systems, where undetected anomalies may lead to substantial financial losses and security risks. Real-world fraud graphs pose two coupled challenges: sparse and imbalanced supervision, where verified fraudulent labels are scarce and heavily skewed toward benign accounts, and representation dilution, where spatial message passing may oversmooth camouflaged anomalies while spectral filters may suppress fraud-relevant mid- and high-frequency irregularities. To address these challenges, we propose ADC-GNN, short for Attention-guided Diffusion-Contrastive Graph Neural Network, a unified framework that combines diffusion-guided feature augmentation, contrastive representation learning, and multi-hop spectral attention for few-shot graph fraud detection. The diffusion component is formulated as a feature-space denoising augmentation mechanism rather than a full topology-generative graph diffusion model: it constructs noise-perturbed node-feature views under a cosine schedule and uses contrastive learning to stabilize node representations across perturbations. The spectral attention module further adaptively emphasizes fraud-relevant hop-level and relation-level cues. We evaluate ADC-GNN primarily on three public benchmarks and additionally report a proprietary real-world telecom transaction dataset with approximately 60,000 records as a private case study. Under the 1% training setting, ADC-GNN achieves consistent improvements over original graph fraud baselines and four protocol-consistent recent graph anomaly/fraud baselines on the public benchmarks. Additional analyses on split stability, training ratios, oversampling alternatives, module-level ablations, diffusion schedules, and runtime and memory-consumption comparisons further characterize the effective operating regime of ADC-GNN.

Graph fraud detection has long depended on Graph Neural Networks (GNNs) to propagate and aggregate information across relational data. A critical obstacle in practice, however, is that fraudsters frequently disguise themselves by forging numerous connections with benign users, causing fraud signals to be progressively diluted during neighborhood aggregation and undermining detection reliability. While recent efforts have used Large Language Models (LLMs) to provide rich semantic cues for fraud detection, the underlying intent behind suspicious connections remains insufficiently explored. Compounding this issue, the scarcity of annotated fraud samples makes it difficult to train detectors that remain robust under heavy camouflage. To address these gaps, we propose L2IR, an LLM-driven Latent Intent Revealing framework for graph fraud detection. By uncovering latent intent from both user behaviors and suspicious connections, L2IR extracts intent-aware representations from raw behavioral traces and reasons about the true purpose behind individual connections, effectively distinguishing supportive links from misleading ones. It further incorporates adaptive self-training to enhance robustness under limited supervision. Evaluations on two real-world datasets characterized by pervasive camouflage demonstrate that L2IR surpasses strong baselines and can function as a plug-in enhancement for a range of GNN-based detectors, improving AUPRC by up to 8.27%.

Financial transaction fraud prevention faces challenges such as complex relationship structures, concealed behavioral patterns, and dynamically changing data distribution. Discrimination models relying solely on independent sample features are insufficient to fully characterize the risks of group collaboration and chain transfers within transaction networks. This paper proposes a graph neural network representation learning and risk discrimination framework for financial transaction fraud prevention. It integrates transaction records and identity information into node attributes and constructs a transaction graph based on shared attributes and interaction consistency to explicitly model inter-transaction relationships. In model design, a multi-layer message passing mechanism is employed to aggregate neighborhood information, learn node embedding representations containing structural context semantics, and output transaction-level fraud probability and risk scores through a lightweight risk discrimination head. A weighted supervision objective is introduced to mitigate training bias caused by class imbalance, and structural consistency regularization constraints are combined to suppress the impact of noisy edges on representation drift, thereby improving the stability and usability of risk characterization. Experiments are conducted on a publicly available financial transaction dataset, comparing various methods in the same direction and comprehensively evaluating them under a unified evaluation protocol. The results show that the proposed method outperforms other methods in risk ranking and probability calibration quality, validating the effectiveness of graph structure modeling and representation learning collaboration in financial transaction fraud prevention.